I changed to an M & S credit card and received first batch of 'rewards'. I was about to scan a £3 reward voucher for a £1.25 product in the self service till and was warned by a staff member that had I gone ahead with the purchase I would get no change. Zilch. Nix. Bupkis.
DH has a Barclaycard which he exchanges for M & S rewards which you keep using until the final balance is zero.
So, M & S, listen up :
Your knickers have dropped off, your Oakham Chicken has risen outrageously in price and dropped in quality and now you are stealing from your customers.
Be ashamed
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